Subject: File No. S7-06-04
From: Eric B. Soik, LUTCF
Affiliation: New York Life Insurance Company

March 30, 2005

In this important era of compliance and suitability, security/variable
product transactions require a prospectus be given to the applicant. This
prospectus already contains full disclosure to include principal
investment strategies, principal risks, and fees and expenses of the fund.
Other factors of investment objective, time frame, risk tolerance are
critical. By duplicating disclosure efforts, it seems we would be
improperly helping prospects and clients focus their decisions on cost
alone? I fail to see how this micro perspective is well suited in this
important era of compliance and suitability.


Eric B. Soik, LUTCF
Licensed Agent
New York Life Insurance Company

If you do not wish to receive email communications from New York Life, please reply to this email, using the words "Opt out" in the subject line.

Please copy

New York Life Insurance Company., 51 Madison Ave., New York, NY 10010

CONFIDENTIALITY NOTICE: Information contained in this email and/or attachments to it may be confidential and legally privileged. This information is intended only for the use of the individual to whom this email is addressed. If you are not that person, you are hereby notified that any use, disclosure, printing or distribution of any of the information contained herein is strictly PROHIBITED. If you have received this email in error, please notify the sender and delete this email and any attachments immediately.